Jackson Financial Incorporation (JXN) AI Stock Analysis

• Market Cap: $6.67B
• Dividend Yield: 3.12%
• Average Volume (3M): 565.31K
• Price to Earnings (P/E): 82.5
• Beta (1Y): 1.48
• Revenue Growth: 27.18%
• EPS Growth: -100.02%
• Country: US
• Employees: 3,060
• Sector: Financial
• Sector Strength: 72
• Industry: Insurance - Life
• EPS (TTM): 4.87
• Shares Outstanding: 69,651,460
• 10 Day Avg. Volume: 551,971
• 30 Day Avg. Volume: 565,308
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.38
• Enterprise Value/Revenue: 2.18
• Enterprise Value/Gross Profit: 2.06
• Enterprise Value/Ebitda: 30.87
• 1Y Price Target: $102.00
• Price Target Upside: 6.87% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 6

• Rating: 63 Neutral
• Price Target: $102.00 ▲(6.87% Upside)

Jackson Financial's overall score is driven by strong earnings call performance and positive technical indicators, despite challenges in financial performance and valuation concerns. The company's strategic initiatives and capital generation provide a positive outlook, but declining revenue and profit margins remain significant risks.

Positive Factors

Capital Generation

Capital generation appears promising, and the capital return outlook exceeded expectations.

Earnings

Strong Retail Annuities performance with solid adjusted earnings of $468 million exceeded expectations due to higher fee and spread income.

Sales Performance

Retail Annuity sales remain robust at $5.3 billion for the quarter, with their RILA product continuing to gain momentum.

Negative Factors

Capital Impact

The net hedge loss excluding amortization of DAC was -$295 million, impacting the capital supporting Brooke Re.

Flow Management

All other segments faced pressure and flows were below expectations, indicating challenges in managing flows while improving the operating environment.

Segment Performance

The Closed Life and Annuity segment experienced an adjusted loss of $2 million, which was below expectations.

Jackson Financial Incorporation Business Overview & Revenue Model

Company Description

Jackson Financial Incorporation (JXN) is a leading provider of retirement and investment solutions in the United States. The company specializes in innovative annuity products and life insurance, catering to a diverse clientele seeking to secure their financial futures. With a focus on delivering long-term value, Jackson Financial operates within the financial services sector, offering products that help individuals manage their retirement savings and generate income throughout their retirement years.

How the Company Makes Money

Jackson Financial generates revenue primarily through the sale of its annuity and life insurance products. The company earns income from premiums paid by policyholders and from fees associated with the management of those policies. Additionally, Jackson Financial benefits from investment income generated by the assets held in its insurance portfolios. The company may also engage in reinsurance arrangements, allowing it to manage risk and optimize capital use. Strategic partnerships with financial advisors and broker-dealers enhance its distribution capabilities, enabling broader access to its products and contributing to its overall earnings.

Jackson Financial Incorporation Financial Statement Overview

Summary

Jackson Financial demonstrates strong revenue growth and a robust equity base, with a solid balance sheet highlighting prudent leverage management. However, the decline in net profit margin and the absence of recent cash flow data indicate the need for better cash flow transparency.

Income Statement

The income statement shows a positive trajectory in revenue growth from 2023 to 2024, with a growth rate of approximately 3.55%. The gross profit margin is strong at 100% for the latest period due to the company's business model. However, the net profit margin decreased slightly from 29.57% to 27.57%, indicating some pressure on profitability. EBIT and EBITDA margins were not available for 2024, which limits further margin analysis.

Balance Sheet

The balance sheet shows a solid equity base with an equity ratio of approximately 2.88% as of 2024. The company maintains a low debt-to-equity ratio of 0.21, indicating prudent leverage management. Return on equity (ROE) is strong at 9.24%, showing efficient use of equity to generate profits. The company's asset base continues to grow, supporting future expansion opportunities.

Cash Flow

Cash flow analysis reveals a stable free cash flow generation in previous years, but no free cash flow is reported for 2024, raising concerns about cash management. Operating cash flow to net income and free cash flow to net income ratios could not be calculated for 2024, but past data showed a robust conversion of operating profits into cash. The lack of recent data limits comprehensive cash flow assessment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.22B	3.09B	3.16B	9.86B	5.50B	9.59B
Gross Profit	4.46B	3.09B	3.17B	9.72B	3.04B	5.79B
EBITDA	298.00M	1.02B	0.00	0.00	4.39B	-2.40B
Net Income	31.00M	946.00M	934.00M	6.19B	3.42B	-1.63B
Balance Sheet
Total Assets	343.72B	338.45B	330.25B	311.06B	375.48B	353.46B
Cash, Cash Equivalents and Short-Term Investments	47.60B	44.06B	43.11B	46.79B	54.17B	61.09B
Total Debt	2.03B	4.38B	4.03B	4.37B	4.05B	322.00M
Total Liabilities	333.12B	328.47B	319.92B	301.90B	364.41B	343.53B
Stockholders Equity	10.35B	9.76B	10.17B	8.65B	10.39B	9.43B
Cash Flow
Free Cash Flow	5.66B	5.79B	5.31B	5.21B	5.68B	3.71B
Operating Cash Flow	5.66B	5.79B	5.31B	5.21B	5.68B	3.78B
Investing Cash Flow	-6.89B	-7.09B	-592.00M	-1.37B	-1.30B	-4.33B
Financing Cash Flow	3.28B	2.37B	-6.33B	-2.16B	-3.77B	639.70M

Jackson Financial Incorporation Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 95.44
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JXN, the sentiment is Positive. The current price of 95.44 is above the 20-day moving average (MA) of 90.99, above the 50-day MA of 88.45, and above the 200-day MA of 87.17, indicating a bullish trend. The MACD of 2.37 indicates Negative momentum. The RSI at 60.60 is Neutral, neither overbought nor oversold. The STOCH value of 85.63 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JXN.

Jackson Financial Incorporation Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FG	79 Outperform	$4.59B	13.93	8.40%	2.55%	1.78%	0.77%
CNO	73 Outperform	$3.68B	13.98	11.35%	1.68%	0.82%	-29.29%
LNC	71 Outperform	$7.69B	7.08	12.97%	4.40%	11.33%	-38.17%
Sector *	67 Neutral	¥850.22B	13.13	9.24%	2.97%	7.76%	9.30%
GNW	67 Neutral	$3.46B	19.14	2.42%	―	2.61%	465.03%
JXN	63 Neutral	$6.67B	82.50	0.30%	3.12%	27.18%	-100.02%
BHF	62 Neutral	$2.64B	5.05	13.53%	―	59.27%	―

Jackson Financial Incorporation Corporate Events

Jackson Financial Exec Departure Alters Compensation Structure

On August 14, 2025, Scott Romine separated from Jackson National Life Distributors LLC, a subsidiary of Jackson Financial Inc., under a Separation Agreement that includes a cash payment, a pro-rated bonus, and common shares as part of a long-term incentive plan. The agreement also contains restrictive covenants and additional compensation benefits, impacting the company’s executive compensation structure and potentially influencing its market positioning.

Jackson Financial Reports Strong Q2 2025 Earnings

Jackson Financial Inc. reported its second quarter 2025 financial results, highlighting a GAAP earnings of $168 million and non-GAAP earnings of $350 million. The company returned $447 million of capital to common shareholders in the first half of 2025 and maintained a strong statutory capital position with a 566% risk-based capital ratio. Retail annuity sales increased by 9% compared to the first quarter of 2025, reflecting strong demand across their product suite. The company also achieved significant growth in fixed and fixed index annuity sales, indicating successful diversification of its retail sales.

Jackson Financial’s Annual Shareholders Meeting Decisions

On May 22, 2025, Jackson Financial Inc. held its Annual Meeting of Shareholders, where key decisions were made regarding the company’s governance and auditing processes. Shareholders elected members to the Board of Directors for a one-year term and ratified KPMG LLP as the independent auditor for the fiscal year ending December 31, 2025. Additionally, the executive compensation of the company’s named executive officers was approved by a non-binding advisory vote.